I agree with you, but you missed something incredibly relevant and important, which changes everything.
For the first time in known history, money is physically linked with nature.
Nature now has a physical hand in what happens next. That hand, by way of solar energy, is growing all the time, as it needs to, for us to physically survive.
Not seeing it and not understanding it is the real, existential problem. Failing to understand it is resulting in us failing a test of nature as stands. The penalty for failing that test is extinction, very close now. It could be by nuclear war, or seemingly natural planetary disaster. But it wouldn't be a natural end because it is a systemic outcome which is fully avoidable, if we do the right thing, that is what nature demands.
Not understanding nature, when we have all the technology to understand it, is the capital offence that we won't be forgiven for.
Understanding it can be by understanding the technology, but failing that, given we might not individually have the technical background, we can understand it by just respecting what was communicated to us were some rules of religions, not just one religion, but all of them.
The basic rules of killing being a crime, theft being crime, and so on, actually do have physical consequences, when ignored by the collective.
By ignoring these rules, as a species, we are a kind of unborn baby, cutting off pieces of itself, before it is even born, never understanding that all of those pieces are needed for the future.
The more we cut off, the less we have for the future, and the higher the probability we will fail to be born.
All of this can be confirmed by formal Systems Engineering techniques, another recent technological development.
It enables us to fill in the gap between religion, all religion, and science, a gap left vacant to date by the motivator of profit, until now.
It enables us to expose a basic physical dishonesty of profit.
The result of this dishonesty over time, practiced by the collective, all of the collective bar none, is physical energy forsaken, with consequences including the build up of temperature.
We can see this by E=MC squared alone, no need to talk about CO2 which just looks like a profit driven distraction.
The effect of it on the financial economy is inflation. Inflation which is unstoppable until we do the right thing.
The basic rule of nature being violated, exposed again by formal systems Engineering techniques, stated in the simplest way possible, is as follows:
"Nature is the Grand authority. Her currency is energy. The only issuer and enforcer of it is the sun. We either use it or burn."
In other words, energy has to become our currency. We have to use it like nature does. If we fail to do this, we burn. Literally, the planet has to physically burn. E=MC squared is all we need to understand to see this. Or religion, especially the Christian religion.
Worshiping the false god, of false energy beneath our feet, forsaking what we should see is the real creator of all things, the real source of all physical energy, creating everything we know, including us, will result in us ultimately burning, physically.
Notice it already started.
The basic physical energy dishonesty, at the heart of the for-profit transaction, is that the energy it took to create whatever was destroyed to gain profit, is ignored.
The result is that energy put to use by nature, specifically the nature of our planet, is stolen.
The Joules it took to create whatever is destroyed are ignored in the for-profit transacton. We calculate profit by comparing what we took out, with what we put in, and we ignore that much more work done by nature, many times more Joules than we can ever get out, was put into creating whatever was destroyed in the first place.
This is how profit works, physically,
It steals energy from nature.
That cost accumulates to manifest as temperature rise.
Hence why doing it forever by all people ends with us burning, if we can't change it.
This is why the planet is starting to burn.
Notice this is a heavily nonlinear effect in terms of time. We simply can't put timescales on it because it is independent of time.
It is dependent on profit.
But it is reversible, by using the energy of the sun, using the technology we have available to us now, to pay back what we took out.
Even better, our technology is such that we can pay back what we took out, even faster than we took it out, without even consciously having to try, mere usage of the actual source of real energy, results in reduction of temperature, with no production of pollution, only production of things useful to all of life.
This again is something confirmed by formal systems Engineering techniques.
We are capable of creating at even higher rates than we destroyed, for profit.
The timescale for fixing the main part of the damage done is only a few decades, compared with the 150 or so years it took for us to do the main part of the damage.
The more people and life there is to participate, the faster the progress.
This is the difference between using mathematically positive energy, and using mathematically negative energy, a difference which has never been identified by science, because no business for profit would fund it.
Rather, they try to prevent it by closing accounts, cancelling, even killing.
But it is uncancellable, impossible to ignore or forget now we see the result confirmed, the planet is beginning to physically burn, and all the physics, and all the religion stacks up, even numerically, against known data.
The profit game is over.
So capitalism is over.
Now it is time to play by the rules of nature, we have to accept energy as our currency, and it is all donated, and it is unlimited.
We have to donate what we individually don't need of it, to all others needing it, in the same way as it was given to us, asking nothing in return.
We have to start issuing solar indexed stimulus, to reflect the value of economic product created using solar energy.
We have to do that, to fix inflation, because since 2005, that product has been building up unmonetised, therefore the benefits of it, and the intrinsic energy of it not being passed on.
Whilst the economic product created from solar continues to grow unmonetised, the value of money not representing it has to continue to slide towards nothing.
At some point it will slide below even having the power to implement the minimum required domestic and community hydrogen backed solar infrastructure needed to make the switch of humanity, from mathematically negative energy, to mathematically positive energy.
It isn't possible to stay stuck somewhere in the middle, because of the nonlinear / positive feedback effects of both creation and destruction. A little of either cascades to more.
So we have to choose between destruction and creation, now we know the difference.
Destruction is obviously the one unsustainable, and the one we will burn for, when all is said and done, this is the one that will prevent our species being born into something able to add to our mother energy host, rather than continuously extracting from her.
I think that should be our highest priority in deciding what to do about money, and banks.
On what to do with banks, just automate them.
Let something truly capable of monitoring the solar energy usage, needed to honestly issue all money on it, issue the money to all people, unconditionally - Ai.
Notice how much simpler everything is, with the fundamental energy dishonesty gone.